Signature Advantage Checking. $25,000 or more None $24, or less $25.00

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1 Minimum Daily Total Deposit Balance Signature Advantage Checking $25,000 or more None $24, or less $ Minimum Opening Deposit: $00 - Minimum Total Deposit Balance: The sum of balances in the Signature Advantage Checking account PLUS statement linked SunTrust deposit accounts (checking, savings, money market, CD, or IRA), Trust accounts and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities). - Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier - $9, or less; Tier 2- $0,000 to $24,999.99; Tier 3- $25,000 to $49,999.99; Tier 4- $50,000 to $99,999.99; Tier 5- $00,000 to $249,999.99; Tier 6- $250,000 to $499,999.99; Tier 7- $500,000 to $999,999.99; Tier 8- $,000,000 to $,999,999.99; Tier 9- $2,000,000 or more. - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly. - Check Images: Check images are returned with the combined statement and paid checks cannot be returned. SunTrust Investment Services, Inc. Signature Advantage Brokerage Minimum Total Deposit Balance Annual Maintenance Fee $00.00 $25,000 or more None (waived with $250,000 or more in Minimum Combined Balance OR $24, or less $25.00 $500,000 or more in Total Relationship Balance) - Minimum Opening Deposit: $00 - Minimum Combined Balance: The sum of balances in the Signature Advantage core cash option and the market value of the associated Brokerage account introduced through SunTrust Investment Services, Inc. (includes annuities). - Minimum Total Deposit Balance: The sum of balances in the Signature Advantage core cash option PLUS statement linked SunTrust deposit accounts (checking, savings, money market, CD, or IRA), Trust accounts, and IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (includes annuities). - Total Relationship Balance: The sum of balances in the Signature Advantage core cash option PLUS statement linked SunTrust deposit accounts (checking, savings, money market, CD, or IRA), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (includes annuities), SunTrust installment and equity loans or lines of credit, including credit card, and SunTrust mortgage. - Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier - $9, or less; Tier 2- $0,000 to $24,999.99; Tier 3- $25,000 to $49,999.99; Tier 4- $50,000 to $99,999.99; Tier 5- $00,000 to $249,999.99; Tier 6- $250,000 to $499,999.99; Tier 7- $500,000 to $999,999.99; Tier 8- $,000,000 to $,999,999.99; Tier 9- $2,000,000 or more. - Interest Calculation: Interest for the FDIC-Insured interest bearing option is calculated and compounded daily on the collected balance and credited to your account monthly. - Check Images: Check images are returned with the combined statement and paid checks cannot be returned. - Brokerage Commission and Fee Schedule: Refer to your SunTrust Investment Services, Inc. Commission and Fee Schedule for commissions and fees that may apply. - Investment and Insurance Products: Are not FDIC or any other Government Agency Insured Are not Bank Guaranteed May Lose Value Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products (including checking accounts) and services are provided by SunTrust Bank, Member FDIC. Securities, insurance (including annuities) and other investment services (including Brokerage accounts) are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, member FINRA, SIPC and a licensed insurance agency. Total Monthly Qualifying Direct Deposit Minimum Daily Collected Balance Select Checking Total Relationship Balance SunTrust First Mortgage with SurePay SM $2,000 or more OR $2,000 or more OR $0,000 or more OR Yes None $, or less AND $, or less AND $9, or less AND No $ Direct Deposit: Total qualifying Direct Deposits is the sum of your salary, pension, Social Security or other regular monthly income of $2,000 or more deposited electronically to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as Direct Deposit. - Minimum Daily Collected Balance: The balance in the Select Checking account. - Total Relationship Balance: The sum of balances in the Select Checking account PLUS statement linked SunTrust deposit accounts (checking, savings, money market, CD, or IRA), Trust accounts, IRA or Brokerage accounts introduced through SunTrust Investment Services, Inc. (excludes annuities), SunTrust installment loans and equity lines of credit, including credit card, and SunTrust mortgage. - SunTrust First Mortgage with SurePay SM : Purchase first mortgage loans financed through SunTrust Mortgage, Inc. with payment automatically deducted from this account using SurePay SM. Sufficient funds must be in your bank account at time of automatic debit. - SurePay SM : Monthly electronic debit via ACH of SunTrust Mortgage loan payment from this account. Sufficient funds must be in your bank account at time of automatic debit. - Monthly maintenance fee waived with a linked Total Business Checking or Business Advantage Plus account. - Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier - $2, or less; Tier 2 - $2,500 to $9,999.99; Tier 3 - $0,000 to $24,999.99; Tier 4 - $25,000 or more. - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly. - Check Safekeeping is a standard feature of this product. Check Image Statement is available for $3 per month. Balanced Banking Minimum Daily Total Deposit Balance $3,000 or more None $2, or less $ Minimum Daily Total Deposit Balance: The sum of combined daily collected balances in the Balanced Banking account, the sum of combined daily collected balances in linked checking, savings, money market accounts, and balances in CDs (excluding SunTrust Index Linked CDs - SILC), and IRA accounts (excludes IRAs provided by SunTrust Investment Services, Inc.). - Check Safekeeping is a standard feature of this product. Check Image Statement is available for $3 per month.

2 Client Initiated Transactions per Statement Cycle Minimum Daily Collected Balance Essential Checking Total Monthly Qualifying Direct Deposit 0 or more OR $500 or more OR $500 or more None 9 or less AND $ or less AND $ or less $ Client Initiated Transactions: Deposit or withdrawal transactions performed by the client (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, ACH debit or credit, check, or Debit Card, including PIN point-of-sale (POS) purchases or signature-based purchases). Bank fees and overdraft protection transfers are not included. - Minimum Daily Collected Balance: The balance in the Essential Checking account. - Direct Deposit: Total qualifying Direct Deposits is the sum of your salary, pension, Social Security or other regular monthly income of $500 or more deposited electronically to your account during the statement cycle by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as Direct Deposit. - Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail, or a $3 monthly fee applies. Online Banking is required to access paperless online statements. - Both the stated number of client initiated transactions and paperless online statement are required to avoid the monthly maintenance fee. - The Essential Checking Student Waiver provides a checking account free of monthly maintenance fees for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened. MONEY MARKET ACCOUNTS SunTrust Advantage Money Market Account Available for SunTrust personal checking clients only Minimum Daily Collected Balance Excessive Withdrawal Fee $5,000 or more None $5 per withdrawal over 6 per statement period $4, or less $5.00 Additionally, this limitation includes checks, drafts or similar orders you make payable to a third party. The limitation applies per statement period. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account. - Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier -$2, or less; Tier 2- $2,500 to $9,999.99; Tier 3-$0,000 to $24,999.99; Tier 4- $25,000 to $49,999.99; Tier 5-$50,000 to $99,999.99; Tier 6-$00,000 to $249,999.99; Tier 7-$250,000 to $499,999.99; Tier 8-$500,000 to $999,999.99; Tier 9- $ million or more - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account monthly. - Check Safekeeping is a required feature of this product. The excessive withdrawal fee is assessed, regardless of the balance, if more than six pre-authorized, telephone funds transfers or third party transactions are paid during the statement period. Applicable fees assessed at the time of withdrawal. 2

3 SAVINGS ACCOUNTS Select Savings Minimum Daily Collected Balance Monthly Automatic Transfer from a Monthly SunTrust personal checking account Maintenance Fee Excessive Withdrawal Fee $,000 or more OR $25.00 or more None $4 per withdrawal over 2 per month 2 (waived with Minimum Daily Collected $ or less AND $24.99 or less $7.00 Balance of $2,500 or more) - Monthly Automatic Transfer: Automatic transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply. Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per calendar month. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account. - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. - Interest Tier: The Interest Tier earned is based on the following ledger balance tiers: Tier - $2, or less; Tier 2 - $2,500 to $9,999.99; Tier 3 - $0,000 to $24,999.99; Tier 4 - $25,000 to $49,999.99; Tier 5 - $50,000 or more. - Earn a one-time.00% bonus up to $25. Bonus is calculated on the average ledger balance of the Select Savings account for the first 2 months. Bonus will be credited to the Select Savings account on the one year anniversary of the account open date. Select Savings account must be open and in good standing on the date that the bonus is paid to receive the bonus. The excessive withdrawal fee applies to items such as ATM, point-of-sale, over-the-counter withdrawals, ACH and telephone funds transfer transactions. Applicable fees assessed at the time of withdrawal. 2 Limit of 2 withdrawals per calendar month unless you are on a combined statement, in which case you are limited to 2 withdrawals per combined monthly statement cycle. Personal Savings Minimum Monthly Automatic Transfer from a Monthly Excessive Daily Collected Balance SunTrust personal checking account Maintenance Fee Withdrawal Fee $300 or more OR $5.00 or more None $4 per withdrawal over 2 per month 2 $4.00 (waived with Minimum Daily Collected $ or less AND $4.99 or less (may be waived 3 for a minor under age 8) Balance of $2,500 or more) Minor Accounts (under age 8): $25. - Monthly Automatic Transfer: Automatic transfers must come from a SunTrust personal checking account. ATM transactions and over the counter transactions do not apply. Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per calendar month. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account. - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. The excessive withdrawal fee applies to items such as ATM, point-of-sale, over-the-counter withdrawals, ACH, and telephone funds transfer transactions. Applicable fees assessed at the time of withdrawal. 2 Limit of 2 withdrawals per calendar month unless you are on a combined statement, in which case you are limited to 2 withdrawals per combined monthly statement cycle. 3 Monthly maintenance fee waiver for an accountholder under age 8 (minor) requires that the account be set up as Minor By. Essential Savings Available for SunTrust personal checking clients only Minimum Daily Collected Balance Paper Statement Fee $0.0 or more None $3.00 (no charge with Paperless Online Statement) - Minimum Opening Deposit: None. Additionally, this limitation includes drafts or similar orders you make payable to a third party. The limitation applies per calendar month. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account. - Interest Calculation: Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. - Paperless Online Statement: Electronic/Online statement provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail. Online Banking is required to access paperless online statements. Note: The minimum daily collected balance referenced in this schedule is the current daily ledger balance less the amount of any checks deposited that are in the process of being collected. The average monthly collected balance is calculated by adding the collected balance for each day of the statement period and dividing that figure by the number of days in the statement period. The Current Balance (or Ledger Balance) is the actual balance in your account on a specific day and does not reflect any holds or pending transactions (transactions not yet posted). 3

4 MISCELLANEOUS SERVICES AND FEES Deposit Services Overdraft (OD)/Returned Item fee Returned Item Fee for Balanced Banking Accounts $36.00 per item $20.00 per item SunTrust will limit the number of fees you can incur per day to 6 Overdraft item and 6 Returned item fees. SunTrust will waive overdraft/returned item fees on transactions that are less than $5. Extended Overdraft Fee 2 $36.00 Stop Payment Fee $36.00 each Screen Print Statement Fee $5.00 per statement Deposited Item Returned Penalty - Domestic Item $2.50 per item - International Item $40.00 per item Overdraft Assurance Line of Credit Product Fee Overdraft Protection Transfer (maximum one per day) - For accounts linked to a credit card or line of credit, $00 transfer increments (based on balance availability) - For all accounts linked to a checking, savings, or money market account, the amount transferred is the exact amount of the overdraft plus any applicable transfer fees (based on balance availability) Closed Account Processing (only closed account processing fee applies) - Account closed within first 6 months - Account closed in overdraft Dormant Account (FL accounts only) Special Mail Handling (FL accounts only) - Hold Mail (branch pickup) - Returned Mail - International Mail $7.00 per month $2.50 per transfer (not applicable for accounts protected by Overdraft Assurance) $25.00 $30.00 $5.00 per month $25.00 per month $5.00 per month $5.00 per month This fee applies to overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means. Three Overdraft/Returned items will be waived in a rolling 2- month period for Signature Advantage accounts. 2 This fee will be imposed on the 5 th day when your account balance remains overdrawn for 5 consecutive business days. This fee does not apply to Balanced Banking accounts. Research Services Item/Statement Photocopy (If Check Safekeeping, first three copies provided at no charge each statement period.) $5.00 per copy Bonds - Returned Bond Coupon $35.00 per envelope Domestic Collections - Incoming/Outgoing 2 - Returned Item - Tracers/Telex Inquiries International Collections - Incoming/Outgoing 3 - Returned Item - Tracers/Telex Inquiries Verification of Deposit for Signature Advantage accounts. 2 Outgoing Domestic Collections are charged the $25 courier fee is assessed when the bank is required to mail via FedEx, or the item exceeds $00, Outgoing International Collections are charged the $25 courier fee is assessed when the item exceeds $500. SunTrust Money Services Checks Cashed - Government Payroll Checks - Personal Checks Western Union Services Wire Transfer Services - Incoming Domestic - Incoming International - Outgoing Domestic - Outgoing International Automated* - Domestic Repetitive - Domestic Standing Order - International Repetitive Exception Processing Wire Transfer Notification - Mail - Fax - Telephone - Swift/Telex $20.00 per item plus $25.00 courier fee $20.00 per item plus $25.00 courier fee $5.00 per inquiry after (one) $60.00 per item plus $25.00 courier fee $40.00 per item plus $25.00 courier fee $20.00 per inquiry after (one) $25.00 per client per request % of the check face-value ($3.00 minimum) 3% of the check face-value ($3.00 minimum) Western Union money transfer fees are based on the destination, amount, and speed of delivery. $.00 $2.00 $5.00 $5.00 Tracers/Investigations $25.00 $5.00 per transfer $30.00 per transfer $25.00 per transfer $50.00 per transfer $20.00 $0.00 $50.00 $0.00 additional fee *Excludes PC-initiated wire transfers Note: If transactions are in a currency other than U.S. dollars, the exchange rate for the transaction currency used by SunTrust for processing such foreign transactions is either (a) a rate selected by SunTrust from the range of rates available in wholesale currency markets for the applicable transaction processing date, which rate may vary from the rate SunTrust itself receives or (b) the government mandated rate in effect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a different transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on the Account. The converted amount shall be provided in U.S. dollars for deposit in your SunTrust account. 4

5 MISCELLANEOUS SERVICES AND FEES continued Miscellaneous Services Official Check Money Order Travelers Cheques Cheques for Two Gift Checks International Bank Draft Legal Process (IRS levy, state levy or writ of garnishment) for Select Checking and Signature Advantage accounts. ELECTRONIC BANKING SERVICES Automated Teller Machines (ATMs) SunTrust ATMs - Per withdrawal, balance inquiry or transfer - Full statement (where available) - Mini statement Other ATM Networks 2 (where accepted) - ATMs located in the U.S. $8.00 per item ($5.00 per item for non-clients) $5.00 per item ($0.00 per item for non-clients) 2% of purchase (3% of purchase for non-clients) 3% of purchase (3.5% of purchase for non-clients) $2.50 each $25.00 per item $00.00 per notice (or maximum amount allowed under the law, whichever is less) No additional fee $2.00 $.00 $2.50 per withdrawal, balance inquiry, or transfer - ATMs located outside the U.S. Publix-Presto! ATMs 2 - Debit Cards and ATM Cards issued in Georgia used at machines in Georgia - Debit Cards and ATM Cards issued in Georgia used at machines outside Georgia $5.00 per withdrawal, balance inquiry, or transfer No additional fee $2.50 per withdrawal, balance inquiry, or transfer - Debit Cards and ATM Cards issued outside Georgia or issued online through suntrust.com used at machines in or outside $2.50 per withdrawal, balance inquiry, or transfer Georgia Daily ATM withdrawal and point of sale purchase limits 3 Withdrawal Purchase - SunTrust Classic Debit Card $500 $3,000 - SunTrust Gold Debit Card $,000 $5,000 - SunTrust World Debit Card $2,500 $30,000 SunTrust reserves the right (either directly or through processors) to provide new debit card numbers (issued due to lost/stolen/natural expiration) to merchants you have authorized to utilize your current debit card account for recurring transactions. SunTrust ATM fees do not apply to Signature Advantage accounts. 2 ATMs owned by non-suntrust institutions may also add a surcharge to the amount of the withdrawal or charge a fee for a balance inquiry even if the transfer or withdrawal is not completed. SunTrust fees assessed for transactions done at non-suntrust ATMs are waived and all ATM surcharge fees will be refunded for Signature Advantage accounts. 3 A day is defined as 4:00 p.m. to 4:00 p.m. Eastern time the following day. MasterCard cash advances, other than ATM withdrawals, obtained with your SunTrust Debit Card are limited to $,000 per day. An amount equal to 00% of a deposit made at a SunTrust ATM, up to a daily maximum of $00, is available for immediate withdrawal at an ATM; this amount may not be accessed through any other means until the deposit is verified. Note: If the Card (including ATM and Debit Cards) is used for transactions in a currency other than U.S. dollars, the exchange rate between the transaction currency and the billing currency used by MasterCard for processing such foreign transactions is either (a) a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable transaction processing date, which rate may vary from the rate MasterCard itself receives or (b) the government mandated rate in effect for the applicable transaction processing date, increased by up to three percent (3%). If a credit is subsequently given for a transaction, it will be decreased by up to three percent (3%). If the credit has a different transaction processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on the Account. The converted amount shall be provided in U.S. dollars. Cirrus and Maestro are MasterCard network brands and transactions processed on these networks are also subject to rates detailed above. Online Banking and PC Banking Online Banking with Bill Pay (unlimited access) - Online Banking - Bill Pay (standard) - Expedited Bill Pay Same Day Bill Pay - Expedited Bill Pay Overnight Check Online External Transfers - Transfer from your accounts at other financial institutions - Standard Transfer to your accounts at other financial institutions - Next Day Transfer to your accounts at other financial institutions Online Popmoney (Person to Person) Transfers - Standard Send Money Transfer to other people - Next Day Send Money Transfer to other people 2 - Send Money Design Fee - Request Money Payment Request to other people - Stop Payment Fee for Popmoney Transfers $9.95 $4.95 $3.00 per transfer $6.00 per transfer $3.00 per transfer $0.99 per transfer $36.00 per transfer PC Banking (unlimited access) - With Bill Pay 3 $9.95 per month - Without Bill Pay 3 $5.95 per month No fee for up to three transactions per rolling 30-day period for Signature Advantage accounts. 2 $.00 next day transfer to other people, per transfer, for Select and Signature Advantage accounts. 3 No monthly fee for Signature Advantage accounts. No fee for Bill Pay for 90 days for all other accounts. Customer Service Telephone Banking 800-SUNTRUST ( ) 5

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7 What You Need to Know about Overdrafts and Overdraft Fees Federal Banking regulations on overdraft coverage impact all consumer accounts. These regulations give each consumer a choice on how to manage their accounts. An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. SunTrust can cover your overdrafts in two different ways:. We have standard overdraft practices that come with your account. 2. We also offer overdraft protection plans, such as a link to a savings or money market account, or another checking account, which may be less expensive than our standard overdraft practices. The remainder of this notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Unless you request this specific overdraft coverage service, banks will not be allowed to pay overdrafts and assess a fee for: ATM transactions Everyday debit card transactions Your request allows SunTrust to consider paying the overdraft for which you will incur a fee. This is your choice. If you do not request this service, or if SunTrust chooses not to authorize the overdraft, your transaction will be declined. The following types of transactions are not affected by these rules. We may authorize and pay overdrafts on these transactions and fees may be incurred. Checks and other transactions made using your checking account number Automatic bill payments SunTrust pays overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. What fees will I incur if SunTrust pays my overdraft? Under standard overdraft practices there are two different types of fees:. Overdraft Item 2. Returned Item You will incur a fee of up to $36 each time an overdraft is paid. If your account is overdrawn for 5 consecutive business days, you may incur a one-time additional fee of $36. SunTrust limits the number of fees you can incur per day to 6 Overdraft Item fees and 6 Returned Item fees. SunTrust will waive overdraft/returned item fees on transactions that are less than $5.00. Note: Overdraft Coverage is not available on Balanced Banking SM. To change your overdraft coverage at any time, you may submit a request in one of the following ways: Visit our website at Call from 6:00 a.m. until midnight (ET) Visit any SunTrust branch Complete the form below, detach and mail to: SunTrust P.O. Box 448 Mailcode GA-ATL-5027 Atlanta, GA If you have questions, please call us at from 6:00 a.m. until midnight (ET). If you do not wish to give SunTrust authorization, no action required. If you do not request overdraft coverage, we will automatically decline all of your ATM transactions and everyday debit card transactions that would overdraft your account. By completing this form I consent to accept or decline (based upon selection below) overdraft coverage on the accounts listed. Check only one: Accept overdraft coverage Decline overdraft coverage Name (please print) First name, Middle initial, Last name Phone Number (For questions if we need further information to process this request.) Area code phone number Home Work Cell Address (By providing your address, you consent to receive confirmation of your request via .) List all of your checking, savings or money market accounts that you wish to cover. Complete Account Number (3 digits): Complete Account Number (3 digits): Complete Account Number (3 digits): SunTrust Bank, Member FDIC. 205 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Balanced Banking is a service mark of SunTrust Banks, Inc. DGD R08/5

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